SwiPay - Das Bezahlnetzwerk

What SwiPay - Das Bezahlnetzwerk does

SwiPay AG is a privately held Swiss payment orchestration company headquartered in Baar, Canton of Zug, founded in summer 2021 and operational since September 2022. The company positions itself as an independent payment broker ("Bezahlnetzwerk") acting as an intermediary between Swiss merchants and underlying payment service providers, rather than as an acquirer or terminal reseller. Its offering bundles ep2-certified card terminals (mobile, stationary, unattended) sourced from PayTec, SoftPOS smartphone-based acceptance, and online e-commerce payment processing through the Planet (formerly Datatrans) gateway supporting more than 40 payment methods including PostFinance. All transactions route through TeleCash/Fiserv as the acquiring bank, with merchant reporting delivered via the Merchant Online Portal. SwiPay targets small and medium-sized merchants across Swiss retail, gastronomy, hospitality, services, and tourism verticals, with named customer logos spanning fashion houses, bakeries, mountain railways, hotels, restaurants, opticians, bookstores, and driving schools.

The company generates revenue by mediating payment services between merchants and underlying providers, taking a margin on transaction fees under an IC++ cost model that disaggregates interchange, scheme, and acquiring fees. Pricing is quote-based and not publicly disclosed, with the company emphasizing transparent conditions and absence of hidden fees as a differentiator versus legacy acquirers blamed for the 2021 Swiss payment crisis. Distribution is primarily sales-led through personal consultation and digital onboarding, supplemented by a network of roughly 18 technology, POS, and industry-association partners including Hanseatic POS, James, Subsidia, Wirtschaftskammer Liechtenstein, POOL-ALPIN, Salveo, and Dynoptic. Geographic scope covers Switzerland as the core market with representation in Germany and Austria, plus a formal Liechtenstein expansion formalized in June 2026.

The company is led by a 7-person C-suite (CFO, CAO, CSO, CPO, COO, CDO, CPRO) with no disclosed institutional investors, funding rounds, or revenue figures. Total headcount including consultants stands at approximately 12, with the COO based in Vaduz, Liechtenstein to anchor the new market. SwiPay's strategy emphasizes independence from any single payment provider, relationship-driven sales, and content marketing through its "Mit Dir" blog and an 85-term payment glossary that positions the firm as a trusted advisor rather than a transactional reseller.

Name

SwiPay - Das Bezahlnetzwerk

Legal name

SwiPay AG

Website

https://swipay.ch

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

SwiPay AG is an independent Swiss payment orchestrator founded in 2021 that brokers ep2-certified terminals (PayTec), acquiring (TeleCash/Fiserv), and online payments (Planet/Datatrans) for SMB merchants across Swiss retail, gastronomy, hospitality, and services verticals, earning transaction-fee margins on mediated payment volume.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

akta.pro primary industry

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)

akta.pro secondary industries

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF)

Keywords

• Payment orchestration services
• Merchant payment solutions
• Card payment processing
• POS terminal solutions
• Payment broker services

Headquarters

HQ city

Baar

HQ country

Switzerland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Payment Processing Mediation: SwiPay generates revenue by mediating payment services between merchants and payment providers. They negotiate favorable conditions and take a margin on transaction fees, offering transparent pricing without hidden costs. Merchants benefit from consolidated billing and condition optimization across their payment infrastructure.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

SwiPay operates as an independent payment orchestrator (Bezahlnetzwerk) mediating between Swiss merchants and payment service providers. It bundles ep2-certified card terminals from PayTec (mobile, stationary, unattended), SoftPOS smartphone acceptance, and online e-commerce payments via Planet/Datatrans under one contract, with TeleCash/Fiserv as the acquirer, and negotiates transaction-fee conditions on behalf of merchants. The offering serves small and mid-sized businesses across retail, gastronomy, hospitality, and services with transparent pricing, personal consultation, and unified billing across all payment channels.

Product overview

SwiPay ist ein unabhängiger Payment Orchestrator in der Schweiz, der als Vermittler zwischen Händlern und Zahlungsanbietern fungiert. Das Kernangebot umfasst ep2-zertifizierte Kartenterminals von PayTec (mobil, stationär, Unattended), SoftPOS für smartphone-basierte Zahlungen, E-Commerce-Lösungen über Planet/Datatrans mit über 40 Zahlungsmethoden, sowie die zentrale Card Payment Orchestration. Ergänzt wird das Portfolio durch das Merchant Online Portal (MOP) für Transaktionsmanagement und Quick Start Guides für Terminal-Einrichtung. Alle Lösungen werden über TeleCash/Fiserv als Acquirer abgewickelt – ein Vertrag, ein Netzwerk, alle Kanäle.

Differentiator

Problem solved

Functional benefit

Products and services

• Card Payment Orchestration Independent payment orchestration service mediating between merchants and payment service providers, negotiating conditions, managing integrations, and acting as the single point of contact for all payment activities. Designed for Swiss SMB merchants in retail, gastronomy, hospitality, and services who want consolidated payment handling under one contract.
• Card Terminal Payments (Mobile, Stationary, Unattended) Ep2-certified card terminals from PayTec for in-store payment acceptance, comprising mobile terminals for flexible use, stationary terminals for fixed checkout points, and unattended terminals for self-service environments. Targeted at Swiss merchants across retail, gastronomy, and services who need compliant Swiss-standard card acceptance hardware.
• SoftPOS Software-based payment solution that turns a smartphone into a payment terminal via an app, enabling card acceptance without a dedicated terminal device. Suited to merchants who need flexible, lower-cost card acceptance or operate without a fixed checkout.
• E-Commerce / Online Payment Online payment solution based on the Planet (formerly Datatrans) e-commerce gateway supporting over 40 payment methods including PostFinance, with low-code integration and omnichannel tokenization. Designed for Swiss merchants running e-commerce or mobile commerce channels.

Quantifiable outcome

• Start in a few days with completely digital onboarding
• +2 more outcomes

Named customers11 records

Segments1 record

Ideal customer profiles1 record

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• PayTeccoreTechnology or IntegrationSwiss technology partner for secure, stable, and future-proof payment solutions. PayTec develops their own payment software and provides perfectly matched hardware. Over 20 years of experience developing Swiss payment solutions with highest reliability, modern POS technology, and easy integration into existing cash register systems.
• TeleCash/FiservcoreTechnology or IntegrationAcquirer connecting terminals to card networks. All SwiPay terminals are connected via TeleCash/Fiserv as the acquiring bank, handling authorization, clearing, and settlement of card transactions.
• Planet (formerly Datatrans)coreTechnology or IntegrationLeading Swiss payment solution for online commerce, now part of Planet. Enables e-commerce and mobile app payments with over 100 local and international payment methods including PostFinance. Features low-code integration and omnichannel tokenization.
• Hanseatic POScoreTechnology or IntegrationPartnership announced March 2026 to combine payment and POS expertise for Swiss gastronomy and beauty sectors. Bundles SwiPay's payment orchestration with Hanseatic POS systems for integrated solutions.
• Wirtschaftskammer LiechtensteincoreStrategic or Co-development PartnerOfficial partnership announced June 2026 for joint advancement in Liechtenstein market. Wirtschaftskammer Liechtenstein and SwiPay AG working together to provide better payment conditions for Liechtenstein businesses.
• PHARminorStrategic or Co-development PartnerSwiss company offering cost management, purchasing, cost control, and finance support for hospitality and restaurant sectors. Founded 2006 with offices in Lausanne, Zürich, and Mauritius. Over 1,100 customers, 150 supplier partners, and 30 employees. Special migration offer developed exclusively with SwiPay.
• PayZZminorChannel Partner/ Reseller/ DistributorCost-effective all-in-one payment solution for startups and SMEs. Comprehensive and affordable solution for payment processing with focus on efficiency and transparency. Fully digital platform with modern registers and terminals.
• POOL-ALPINminorChannel Partner/ Reseller/ DistributorStrong purchasing association for Swiss mountain railways, tourism businesses, and alpine service providers. Bündelt Einkauf, Konditionen und Know-how - for more efficiency and better negotiation power in the alpine environment.
• SalveominorChannel Partner/ Reseller/ DistributorAssociation of independent pharmacies in Switzerland with focus on consultation, proximity, and quality. Strengthens independent pharmacies through network bundling competence, availability, and service.
• DynopticminorChannel Partner/ Reseller/ DistributorQuality label and network of over 100 owner-managed opticians across Switzerland with focus on quality, service, and innovation. Founded 1989 by committed specialist opticians.

Scale indicators2 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• Stripe: Global online payment infrastructure platform serving businesses of all sizes. While primarily focused on digital payments, Stripe Terminal competes with SwiPay in the unified online-and-in-person payment acceptance space.
• Adyen: Global payment platform offering unified commerce solutions including in-person and online payment acceptance. Adyen serves enterprise and SMB merchants directly, competing with SwiPay's orchestration value proposition through its own single-contract, multi-channel model.
• Worldline: European payment processor and one of the largest acquirers in Switzerland following acquisition of SIX Payment Services. Worldline competes across the full payment value chain including terminals, acquiring, and online processing that SwiPay orchestrates.
• Nexi (formerly Heidelpay): European payment technology company offering acquiring, processing, and payment solutions across multiple European markets. Nexi competes with SwiPay in D-A-CH through its German payment processing capabilities.
• Payone: German payment service provider offering card acceptance and POS solutions for retail and SMBs. Payone competes with SwiPay in the D-A-CH market, particularly in Germany where SwiPay is expanding its presence.
• Concardis (Nets): European payment service provider offering card acceptance and POS solutions primarily in DACH and Nordic markets. Concardis/Nets serves overlapping SMB merchant segments with similar terminal and acquiring offerings.

Direct peers

• SumUp: European mobile payment solutions provider targeting SMBs with card readers and integrated payment processing. SumUp competes with SwiPay in the Swiss SMB merchant segment with similar focus on simplicity, transparent pricing, and multi-channel acceptance.
• Wallee: Swiss payment orchestration platform serving merchants with multi-channel payment solutions. Wallee competes directly with SwiPay in the Swiss SMB payment acceptance market, offering similar broker/orchestration services across terminals and online payments.
• Planet (formerly Datatrans): Leading Swiss payment gateway for online and mobile commerce, processing over 100 payment methods. While currently a technology partner of SwiPay, Planet also serves the same Swiss merchant base with competing payment infrastructure offerings.

Regional players

• TWINT: Swiss mobile payment app owned by major Swiss banks enabling peer-to-peer and point-of-sale payments. While TWINT is a payment method rather than a direct competitor, it competes for the same Swiss merchant payment acceptance relationships and influences merchant payment infrastructure decisions.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/swipay-ag

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SwiPay - Das Bezahlnetzwerk